Loan Till Payday Online

Loan Till Payday Online, located at 3310 Kent Rd, Stow, OH 44224, is a finance service provider specializing in connecting consumers with a network of lenders. Our platform offers administrative services, often referred to as "lead generation," to help you find financial solutions tailored to your needs. Please note, we are not a lender nor an agent of any lender. We do not take loan applications or engage in any lender-related activities such as making credit decisions or servicing loans.

We provide this service free of charge to consumers, while lenders and financial service providers pay a fee to be connected with potential borrowers. Our system operates on a ping tree model, similar to Google AdWords, where the highest bidder is connected to the consumer.

For those facing serious financial difficulties, we recommend seeking professional financial advice or considering other alternatives. When you submit your information through our website, you consent to the use of Site Visit Recordation Technology, including third-party technologies like Jornaya’s LeadiD, to memorialize your site visits.

Important Notices:

- Credit Checks: By submitting your information, you authorize us and our network of lenders to perform a credit check, which may include verifying your social security number, driver license number, or other identification. Credit checks are typically conducted by major credit bureaus such as Experian, Equifax, and TransUnion, but may also involve alternative credit bureaus like Clarity or DataX.

- Loan Terms: Our lenders offer loans with an Annual Percentage Rate (APR) of 35.99% or below. For qualified consumers, the maximum APR is 35.99%. All loans are subject to the lender’s approval and unique underwriting criteria. Example: For a loan amount of $4,300.00 with an APR of 35.99%, the number of monthly payments would be 30, with each payment amounting to $219.36, leading to a total payable amount of $6,581.78. Loans include a minimum repayment plan of 12 months and a maximum of 30 months.

- Tribal Lending Enterprises (TLEs): In some cases, you may be connected to a TLE, which is subject to tribal and certain federal laws but immune to state laws, including usury caps. TLE rates and fees may be higher than state-licensed lenders, and they may require dispute resolution in a tribal jurisdiction. It is important to read and understand the terms of any loan offer and reject any terms that are not acceptable to you.

Lender’s Disclosure of Terms:

When a lender offers you a loan, they are required by law to provide documents detailing all fees and rates, including potential late-payment fees and terms for refinancing, renewing, or rolling over the loan. Loan terms are determined solely by the lender based on their internal policies and applicable laws.

At Loan Till Payday Online, we aim to connect you with the right financial service providers to meet your needs while ensuring transparency and compliance with all legal requirements.